Cheapest Car Insurance Quotes in Sedalia

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Sedalia Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Sedalia

The car insurance rate in Sedalia is $873 for a six-month policy, which is $108 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, making it a popular choice for budget-conscious drivers. Rates in Sedalia can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Sedalia

$873

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Sedalia

1st place: American Family

At $444 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $561 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $624 for six months, making it the third cheapest auto insurance company in Sedalia.

Sedalia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sedalia, MO is American Family, offering policies at just $444 for a six-month term. This is followed by Travelers, which has an average six-month premium of $561.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1332 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sedalia drivers find the best deals.

Cheap Car Insurance Companies in Sedalia, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$444	$76
Travelers	$561	$94
USAA	$624	$105
Shelter	$830	$140
Encompass	$836	$142
State Farm	$883	$149
Electric	$973	$166
Allstate	$1005	$169
Progressive	$1057	$178
Missouri Farm Bureau	$1063	$177
Nationwide	$1332	$227

Key Takeaways

Way's key takeaways about car insurance in Sedalia

The auto insurance costs in Sedalia fall around $444 for six months.
The cheapest auto insurance company in Sedalia is USAA.
Teen drivers pay the highest rate in Sedalia at $677 per month.

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Cheapest Minimum Liability Car Insurance in Sedalia

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Sedalia are given below.

USAA provides the cheapest minimum car insurance coverage in Sedalia. Their Average 6 Month Premium is $153. Nationwide is the most expensive at $534 for the same period.

Cheapest Liability Coverage in Sedalia, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$153	$26
Missouri Farm Bureau	$169	$28
Travelers	$206	$35
Electric	$217	$36
Progressive	$232	$39
American Family	$238	$40
Encompass	$248	$42
Shelter	$296	$50
State Farm	$317	$53
Allstate	$476	$81
Nationwide	$534	$89

Cheapest Full Coverage Car Insurance in Sedalia

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Sedalia is American Family at $76 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sedalia, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$444	$76
Travelers	$561	$94
USAA	$624	$105
Shelter	$830	$140
Encompass	$836	$142
State Farm	$883	$149
Electric	$973	$166
Allstate	$1005	$169
Progressive	$1057	$178
Missouri Farm Bureau	$1063	$177
Nationwide	$1332	$227

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Average Car Insurance in Sedalia by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Sedalia, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Sedalia, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Sedalia's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sedalia

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Sedalia,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Sedalia at $37 per month. At $4066 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$222	$37
American Family	$254	$43
Travelers	$608	$102
USAA	$935	$158
Progressive	$1364	$230
State Farm	$1528	$257
Shelter	$1803	$301
Allstate	$3632	$618
Nationwide	$4066	$677

Teen Car Insurance Rates in MO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Sedalia, Progressive is the cheapest car insurance provider. At $322 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Sedalia is Allstate, offering rates of around $518 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$322	$55
Travelers	$333	$55
Kemper	$407	$69
American Family	$433	$72
Shelter	$455	$77
Nationwide	$502	$84
Allstate	$518	$88

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Car Insurance Rates with An Accident in Sedalia

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Sedalia, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sedalia

The cheapest car insurance companies after an at-fault accident in Sedalia include Missouri Farm Bureau and Electric, offering $185 and $264, respectively. Allstate is an expensive provider with an average six-month premium of $2141.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$185	$31
Electric	$264	$45
American Family	$291	$48
Encompass	$338	$58
Travelers	$401	$68
USAA	$412	$69
Progressive	$576	$97
State Farm	$698	$117
Shelter	$782	$132
Nationwide	$1972	$336
Allstate	$2141	$357

Sedalia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sedalia MO. For example, the car insurance in Sedalia after a DUI increases to $719 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

Sedalia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1422	$237
One Med/PIP claim	$1422	$242
Not-at-fault accident	$1464	$244
One comp claim	$1475	$251
Two Med/PIP claims	$1475	$246
Two comp claims	$1570	$267
Failure to wear a seat belt	$1613	$269
Failure to show documents	$1618	$275
Child safety restraint	$1644	$274
Driving without lights	$1644	$279
Driving with expired registration	$1655	$276
Cell phone violation	$1665	$283
Driving too slowly	$1665	$278
Following too closely	$1665	$283
Speeding in school zone	$1665	$278
Failure to yield	$1671	$284
Speeding 11 - 15 MPH over limit	$1671	$279
Speeding 16 - 20 MPH over limit	$1671	$284
Speeding 6 - 10 MPH over limit	$1671	$279
Texting while driving	$1671	$284
Illegal turn	$1676	$279
Wrong way/wrong lane	$1676	$285
Failure to stop at a red light	$1681	$280
Improper passing	$1681	$286
Speeding 21 - 25 MPH over limit	$1681	$280
In 65 MPH zone	$1692	$287
Passing school bus	$1723	$287
Open container	$1776	$302
Operating a vehicle without permission	$1818	$303
At-fault accident - less than $1000	$1967	$335
At-fault accident - $1000-$2000	$2077	$346
At-fault accident - greater than $2000	$2077	$353
Refusal to submit to a chemical test	$2104	$351
DUI	$2141	$364
Driving with a suspended license	$2189	$365
Racing	$2242	$381
Leaving scene of an accident/hit and run	$2273	$379
Reckless driving	$2300	$391

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Sedalia after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Sedalia.

The cheapest car insurance premiums in Sedalia are offered by Missouri Farm Bureau at $222 for a six-month policy. However, it can be as expensive as $2458 with companies like Nationwide.

Sedalia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$222	$37
American Family	$286	$47
Kemper	$354	$61
Travelers	$428	$72
Progressive	$529	$89
USAA	$656	$110
State Farm	$740	$125
Shelter	$862	$145
Allstate	$1861	$317
Nationwide	$2458	$409

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Sedalia are offered by Progressive at $254. However, it can be as expensive as $381 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Sedalia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$254	$43
Travelers	$270	$45
American Family	$286	$49
State Farm	$317	$53
Shelter	$381	$65

Car Insurance Price Trends in Sedalia, Missouri

Car insurance rates in Sedalia have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Sedalia remained steady at $116 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sedalia remained steady at $43 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Sedalia?

The car insurance in Sedalia is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Sedalia?

The cheapest car insurance in Sedalia is $76 per month for full coverage.

How much is car insurance in Sedalia for teenagers?

Car insurance for teenagers costs $222 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Sedalia?

The average cost of car insurance is $981 for a six-month policy. It will cost around $147 per month to insure your car in Sedalia.

Is car insurance expensive in Sedalia?

Car insurance can be expensive in Sedalia if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Sedalia can be affordable.

Cheapest Car Insurance Quotes in Sedalia

Why you can trust Way?

How Much Is Car Insurance in Sedalia

Avg. Car Insurance in Sedalia

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Sedalia

1st place: American Family

2nd place: Travelers

3rd place: USAA

Sedalia Car Insurance Rates by Company

Cheap Car Insurance Companies in Sedalia, MO

Way's key takeaways about car insurance in Sedalia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sedalia

Cheapest Liability Coverage in Sedalia, MO

Cheapest Full Coverage Car Insurance in Sedalia

Cheapest Full Coverage Car Insurance Quotes in Sedalia, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sedalia by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Sedalia, MO increasing?

Car Insurance Premiums by Age in Sedalia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sedalia,MO

If you are in your twenties N/A is the best choice for car insurance in Sedalia.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Sedalia

Cheapest Car Insurance Companies after an At-Fault Accident in Sedalia

Sedalia Car Insurance Rates by Violation

Sedalia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sedalia after a DUI

Sedalia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sedalia after Speeding ticket

Car Insurance Price Trends in Sedalia, Missouri

Average Car Insurance Cost in Sedalia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sedalia, MO

Car Insurance Rates by State in the USA (2025 Update)

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